ALICIA WATKINS
Atlanta
Summary
Detail-oriented team player with strong background in financial analysis, budgeting and forecasting. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
30
30
years of professional experience
Work History
SENIOR PORTFOLIO MANAGER
WELLS FARGO BANK, NATIONAL ASSOCIATION
06.2010 - Current
- Senior level position focused on managing a large complex credit portfolio of middle market relationships consisting of commercial-industrial and real estate facilities
- Primary responsibilities include working with senior management, relationship managers and other deal team participants on credit underwriting (inclusive of projection modeling), accurate risk rating, portfolio monitoring, renewals and annual reviews
- Additional responsibilities once loan decision is made includes coordinating the documentation and closing with customers, attorneys and other partners
- Maintain a portfolio of that adheres to all applicable credit policies and compliance requirements as well as work closely with internal auditors during portfolio review
- Accomplishments: Promoted to Vice President, 2016 Pinnacle Award Winner, Promoted to Portfolio Manager 3, Promoted to Vice President, Appointed Division Customer Experience Champion, Completion of Black/African American Leaders Program, in partnership with UCLA John E
- Anderson Graduate School of Management Executive Education.
RISK MANAGER
WELLS FARGO BANK, NATIONAL ASSOCIATION
01.2006 - 05.2010
- Primary responsibility of credit approval, underwriting, and structuring on requests for extensions of new commercial credit
- Reassessed risk on existing loans through annual review and analysis on assigned portfolio clients through monitoring of industry trends, financial statement review, and credit file maintenance/documentation
- Developed strategies to address deteriorating credits and handle complex customer problems by being attentive to detail, identifying the most appropriate action, and taking the initiative to address the situation
- Set appropriate serving requirements and determined an accurate risk rating
- Worked closely with the Business Banking Manager in developing deal team strategy discussions and actively participated in team Pipeline meetings
- Met with customers/prospects to gather and analyze information necessary to reach decisions on loan approval and structure
- Accomplishments: Received loan authority up to $9 million on pass grade credits, Among First Quartile of Risk Mangers company-wide for 6 consecutive quarters, Named 2007 Business Banking Partner of the Year for Georgia, Received 2008 Great Partner Award, Business Banking South Group.
COMMERCIAL ACCOUNT MANAGER
WELLS FARGO BANK, NATIONAL ASSOCIATION
06.2003 - 12.2004
- Primary responsibility of assessing risk on existing loans through annual review and analysis on assigned portfolio clients through monitoring of industry trends, financial statement review, and credit file maintenance/documentation
- Prepare underwriting and structuring of new investment real estate transactions and other transactions that require Senior Credit Administrator approval
- Additional responsibilities include developing strategies for improving profitability of existing accounts as well as develop strategies to address deteriorating credits
- Accomplishments: Aided in developing system to reduce backlog of matured credits, Assisted in lowering Past Due Credits to 1.0% of outstanding portfolio from nearly 8.0% and Non-accrual loans not assigned to Special Assets to less than $250K from nearly $1.0 million since entering department.
RELATIONSHIP MANAGER/COMMERCIAL ACCOUNT MANAGER
WELLS FARGO BANK, NATIONAL ASSOCIATION
08.2001 - 06.2003
- Performed hybrid role of Relationship Manager and Commercial Account Manager for approximately $10 million portfolio
- Prepared credit offering reports for presentation to Senior Credit Management which included comprehensive financial statement analysis, sensitivity analysis, risk analysis, projected performance analysis, cash flow and repayment analysis
- Prepare credits for annual review by working closely with both internal and external customers and other servicing responsibilities of the portfolio.
MANAGER, METRO BANKING ASSET QUALITY DEPARTMENT
WELLS FARGO BANK, NATIONAL ASSOCIATION
05.2000 - 08.2001
- Selected to develop, structure, and manage department responsible for maintaining the asset quality of the bank’s commercial lending division to assure bank loan quality and loan administration rating
- Worked closely with senior credit administration on issues concerning compliance of loan policy regarding past due and other problem loans
- Served as liaison for internal auditors during required federal audits
- Accomplishments: Responsible for achieving “Satisfactory” score, Managed portfolio in excess of $500 million, Hired administrative and support staff; including the supervision of the three college interns, Created a procedures manual to permanently establish protocol of department.
COMMERCIAL ACCOUNT MANAGER
WELLS FARGO BANK, NATIONAL ASSOCIATION
03.1999 - 04.2000
- Created process and provided training of subsequently hired portfolio managers in affiliate offices
- Instrumental in facilitating new structure to develop greater interdepartmental support
- Responsible for the development of Summer Interns assigned to the Metro Banking area
- Prepared credit analysis reports for presentation to senior credit management
- Monitored past due, non-accrual, and rated credit as well performed Asset Quality compliance
- Accomplishment: Promoted to Assistant Vice President.
CREDIT ANALYST/BANKING OFFICER
WELLS FARGO BANK, NATIONAL ASSOCIATION
05.1997 - 03.1999
- Integral member of credit analysis team for commercial transactions above $1 million
- Prepared Industry and cash flow analysis on various private and public corporations for review by loan officers and senior management
- Assessed potential and existing client collateral adequacies, determined client overall profile in compliance to standard bank risk aversion guidelines and created projections for future cash flow on term debt.
PRIVATE BANKING REPRESENTATIVE/BANKING OFFICER
SUNTRUST BANK
10.1995 - 05.1997
- Assisted senior lending officer with providing highly personalized financial services to high net worth individuals; performed historical and cash flow analysis for private corporations; prepared analysis memorandum for review by senior loan committee.
COMMERCIAL BANKING ASSOCIATE
SUNTRUST BANK
01.1994 - 10.1995
- Completed a comprehensive Commercial Lending Training Program, including cash flow and financial statement analysis and sales training
- Assisted in the recruitment of new associates.
Education
Leadership Certificate -
University of California Los Angeles
11.2018
Executive Master of Business Administration, General Management -
Troy State University
12.2004
Bachelor of Arts, Business Administration/Accounting concentration -
Clark Atlanta University
12.1993
Skills
Financial Analysis
- Attention to Detail
- Risk Analysis
- Client Relationship Management
- Financial analysis and reporting
Affiliations
- Alpha Kappa Alpha Sorority, Inc., Graduate Member
- Jack & Jill of America, Inc., Atlanta Chapter
Qualifications Summary
Discerning ability to understand and analyze complex Commercial credit transactions and recognize symptoms of deteriorating credits - Proficient knowledge of fundamental Accounting, Finance and Tax theory - Excellent human relations skills, having dealt with a variety of customers and Sr. Level Management
Timeline
SENIOR PORTFOLIO MANAGER
WELLS FARGO BANK, NATIONAL ASSOCIATION
06.2010 - Current
RISK MANAGER
WELLS FARGO BANK, NATIONAL ASSOCIATION
01.2006 - 05.2010
COMMERCIAL ACCOUNT MANAGER
WELLS FARGO BANK, NATIONAL ASSOCIATION
06.2003 - 12.2004
RELATIONSHIP MANAGER/COMMERCIAL ACCOUNT MANAGER
WELLS FARGO BANK, NATIONAL ASSOCIATION
08.2001 - 06.2003
MANAGER, METRO BANKING ASSET QUALITY DEPARTMENT
WELLS FARGO BANK, NATIONAL ASSOCIATION
05.2000 - 08.2001
COMMERCIAL ACCOUNT MANAGER
WELLS FARGO BANK, NATIONAL ASSOCIATION
03.1999 - 04.2000
CREDIT ANALYST/BANKING OFFICER
WELLS FARGO BANK, NATIONAL ASSOCIATION
05.1997 - 03.1999
PRIVATE BANKING REPRESENTATIVE/BANKING OFFICER
SUNTRUST BANK
10.1995 - 05.1997
COMMERCIAL BANKING ASSOCIATE
SUNTRUST BANK
01.1994 - 10.1995
Leadership Certificate -
University of California Los Angeles
Executive Master of Business Administration, General Management -
Troy State University
Bachelor of Arts, Business Administration/Accounting concentration -
Clark Atlanta University